Settling property damage insurance claims since  2012

Contact us: 833.232.5246

Claim Types

Wind damage Insurance claims

Sometimes damage from high winds is obvious. Sometimes it’s not. File your wind damage insurance claim confidently and get the right settlement with a team of experts on your side.

get paid fairly for your wind damage insurance claim with help from a team of insurance claim experts.

Whether from a windstorm, tornado, or hurricane, high-velocity winds can cause significant damage to your property. While your insurance policy likely covers some amount of wind damage, it might also contain confusing terms and conditions or exclusions that can cause your insurance claim to be underpaid or even denied. We can investigate the damage, file an accurate claim and negotiate with the insurance company to get the proper settlement required to repair the damage. .

Handling your wind damage insurance
claims from beginning to end

Step 1

Inspection

Step 2

Estimation

Step 3

Preparation

Step 4

Negotiation

Step 5

Settlement

WHAT SHOULD I DO WHEN MY
PROPERTY GETS WIND DAMAGE?

Document damage
01 Before filing the claim, photograph and video all the damages. For example, record damage to roofs, siding, windows, etc.
Inspect & estimate
02 Request a complete copy of your property policy from your insurance agent if you don't have one readily available. Contact a qualified damage expert like a public adjuster to inspect, verify and quantify damage with an estimate. Avoid submitting frivolous claims where damages don’t exceed your deductible or the property didn’t sustain a covered cause of loss under your policy.
Mitigate damages
03 Policyholders are required to protect covered property from further damage. Failure to do so may result in denied coverage. Be sure to document and photograph everything, limit the amount of demo a company performs and avoid doing anything to permanently alter the structure.
File the claim
04 Once you’ve determined the need for a claim, submit the claim to the carrier for “wind and hail damage” (not just wind or just hail, as that may limit their inspection). Include all of the detailed information you have compiled in the steps above. Also, be aware of time limits that may apply, including:
    • Making claim for replacement cost value (RCV)
    • “Suit Against Us” provisions
    • Proof of Loss
    • Statutory requirements
    • Business interruption/extra expense
Start a claim diary
05 List every person/adjuster to whom you speak and the date they inspect the property. Keep an account of conversations and always get as much possible in writing. (Pro tip: summarize important phone conversations in an email back to the insurance adjuster making sure to verify any verbal commitments in writing.)
Prep for the adjuster
06 Consider hiring a public adjuster, who will prepare the estimate and claims package for you before the adjuster even steps foot on the property. Be aware of common “red flags” and contact a public adjuster or attorney if any of the following occur:
    • A need for engineers
    • Short inspections
    • Mentions of damages under deductible
    • Reservations of Rights
    • Claim denials or delays
    • Examination under oath (EUOs)
Get a valuation of damage
07 Twenty-two of the 25 major U.S. insurance companies rely on the estimating software, Xactimate, to quantify damage. If your contractor does not use Xactimate, that’s okay. However, consider bringing in a public adjuster who does use this software in order to produce the most thorough, accurate estimate and ensure every nook and cranny is inspected.
Get payout/complete repairs
08 Before you sign a waiver of rights or a Proof of Loss, make sure you are satisfied with the proposed settlement. Signing documents like these can oftentimes prevent you from recovering anything further, including supplements.
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tailored to your needs

Agriculture

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business owners

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Property
managers

Let us take on the claim process and reach a fair settlement for your HOA or multifamily complex.

Contractors

Save time, ensure your clients get what’s rightfully owed to them and get paid faster with an insurance partner.

Common questions about
wind damage Insurance claims

Understand important things to consider and get answers to your top
questions around your wind damage insurance claim.

It's best to contact a professional to validate damages BEFORE you notify your insurance company in order to avoid a frivolous claim. There are no hard and fast rules on what warrants damage. For example even 1" hail and 60 mph gusts can cause damage depending the surface it impacts. (Watch this video for an example.)

Typically an "act of god" claim will not increase your premium. However, even if you don't submit a claim or are not affected by a large catastrophic storm, you may see a rate increase as many other people submit claims.

Who do you trust, your contractor or your insurance adjuster? If you have an active claim and you have a large dispute between the amount paid by insurance and what your contractor is stating, it's a good idea to contact a public adjuster, who can assist you in disputing the claim.

If you have a claim denial or a partially denied claim, it is a good idea to have a licensed public adjuster or attorney review the file to provide a secondary coverage opinion. Our team can review your claim for free.

A qualified restoration contractor can provide an estimate and guide you through the residential claims process. However, if you own or manage a commercial property, policies become more complex and require more detailed reviews of coverage. Oftentimes, insurance companies will require detailed estimates written in a software program, Xactimate. And unfortunately, the vast majority of commercial property claims are underpaid. Our team is certified in Xactimate and includes one of only 48 Xactimate Certified Trainers in the nation. We also have the insurance knowledge and industry expertise you need to ensure your claim is filed accurately, negotiated professionally and paid fairly.

This is a common problem with some insurance companies and it's unfair and in some states – illegal. Overhead and profit, (“O & P") is a known expense that all contractors charge, usually at a rate of 10% and 10%. Sometimes insurers will not pay this on the roofing portion of the claim because they believe it's already part of the Xactimate estimate. Check out our white paper to learn why this is incorrect.

A public adjuster can help with scaling your company by taking out the everyday minutia of writing an estimate, corresponding with stakeholders and insurance company reps and navigating policy intricacies. We also have the training and expertise to handle claim red flags on behalf of you and your customer, including when/if to engage an engineer, policy coverage, delays, unwarranted denials or underpayment. Furthermore, there are legal limits to what a contractor can do when dealing with insurance claims. Contractors working with policyholders should check the public adjuster statutes in their jurisdiction to ensure they are not acting as an unlicensed public adjuster when assisting in claims.

Insurance claim Resources

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